[...] that day has already arrived. Traditionally, consumers paid with cash or credit card, so the only way for retailers to track buyer habits was to hand them a separate rewards card -- rewards cards that were jammed into overstuffed wallets or forgotten at home. Mobile payments eliminate the hassle of carrying a separate card, reduce transaction fees, boost customer discounts, and enable Starbucks, Dunkin' Brands , and other retailers to track customer activity. The most beneficial aspect of the mobile-payment app from Starbucks' perspective is that it allows Starbucks to monitor and analyze customer behavior -- whether those customers are buying a latte at a Starbucks location or buying packaged Starbucks coffee at a grocery store. Starbucks' mobile app may eventually enable customers to order and pay for their beverages before arriving at the store, allowing busy professionals to quickly grab a cup of coffee on the way to work without having to wait in line. The potential of mobile payments is underscored by Starbucks' recent management changes; former CFO Troy Alstead was recently promoted to the newly created chief operating officer, allowing CEO Howard Schultz to focus on mobile payments and other innovations. Apparently, Starbucks' rewards are enough to entice customers to make the switch to mobile; more than 11% of payments to Starbucks are already being made with mobile devicesÂ -- and we're still in the early innings of the mobile-payment revolution. Combined with information scraped from social media pages and other online databases, purchasing patterns can provide retailers with insights that lead to more targeted advertising and a better understanding of their customers. [...] just recently one of his favorite stocks became a 100-bagger.

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